Mound City, KS · Cert 14024 · Cunningham Agency Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #89 of 114 inst. · $0.1B of $99.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.76% | 0.89% | 0.88% | 0.92% | 0.66% | 0.92% | 1.04% | +17 bps | |
| Return on Equity | 12.92% | 11.77% | 14.02% | 14.12% | 14.84% | 10.18% | 14.18% | 16.69% | +257 bps | |
| Net Interest Margin | 3.61% | 3.61% | 3.54% | 3.56% | 3.58% | 3.53% | 3.41% | 3.36% | -21 bps | |
| Efficiency Ratio | 72.68% | 75.57% | 70.11% | 70.41% | 68.33% | 77.82% | 68.57% | 64.25% | -616 bps | |
| Non-Interest Burden | 2.58% | 2.64% | 2.44% | 2.47% | 2.41% | 2.71% | 2.30% | 2.09% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.97% | 2.43% | 3.58% | 9.94% | 9.11% | 1.10% | 8.92% | 5.81% | -413 bps | |
| Loan Growth (YoY) | 1.91% | 5.37% | 3.52% | 3.93% | 2.45% | -0.79% | -2.75% | -4.73% | -866 bps | |
| Deposit Growth (YoY) | 2.83% | 1.97% | 3.37% | 10.27% | 10.05% | 1.31% | 9.77% | 6.16% | -412 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.06% | 0.05% | 0.75% | 0.82% | 0.60% | 0.05% | 0.70% | 0.12% | -70 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.00% | 0.00% | 0.00% | 0.23% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.20% | 1.18% | 1.20% | 1.17% | 1.18% | 1.14% | 1.17% | 1.17% | 0 bps | |
| Allowance Coverage of NPLs | 19.6x | 25.1x | 1.6x | 1.4x | 2.0x | 22.6x | 1.7x | 9.8x | +8.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 6.47% | 6.43% | 6.25% | 6.20% | 6.33% | 6.41% | 6.26% | 6.06% | -14 bps | |
| Total Risk-Based Capital | 13.21% | 12.82% | 13.40% | 13.35% | 13.40% | 13.96% | 14.35% | 14.88% | +153 bps | |
| Equity / Assets | 6.51% | 6.33% | 6.41% | 6.06% | 6.34% | 6.73% | 6.29% | 6.23% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.38% | 73.08% | 71.90% | 68.14% | 69.25% | 71.56% | 63.70% | 61.15% | -699 bps | |
| Liquid Assets / Assets | 17.51% | 18.44% | 23.54% | 27.09% | 25.79% | 26.11% | 33.92% | 30.21% | +312 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 118.54% | 120.32% | 119.49% | n/a | n/a | |